Transaction device use of a dynamically generated value based on a next expected session key

ABSTRACT

A system, method, and computer readable medium (collectively, the “system”) are provided. The system may include a processor configured to perform operations and/or steps comprising receiving a wireless signal from a transaction device, wherein the wireless signal carries emulated track data for payment of a transaction; reading the emulated track data from the wireless signal; generating a transaction payload, wherein the transaction payload contains transaction account data and a dynamically generated digital signature value from the emulated track data of the wireless signal; transmitting the transaction payload to an authorization network server; receiving an authorization instruction from the authorization network server for handling payment of the transaction; and processing the payment of the transaction in accordance with the authorization instruction.

CROSS-REFERENCE TO RELATED APPLICATION

This application is a continuation of, claims priority to and thebenefit of, U.S. Ser. No. 16/542,086 filed Aug. 15, 2019 and entitled“TRANSACTION DEVICE USE OF A DYNAMICALLY GENERATED VALUE BASED ON A NEXTEXPECTED SESSION KEY.” The '086 application is a continuation of, claimspriority to and the benefit of, U.S. Ser. No. 15/950,390 filed Apr. 11,2018 and entitled “TRANSACTION DEVICE USE OF A DYNAMICALLY GENERATEDVALUE BASED ON A NEXT EXPECTED SESSION KEY.” The '390 application is acontinuation of, claims priority to and the benefit of, U.S. Ser. No.15/434,370 filed Feb. 16, 2017 and entitled “NEXT EXPECTED SESSION KEY”,which issued as U.S. Pat. No. 9,972,007 on May 15, 2018. The '370application is a continuation of, claims priority to and the benefit of,U.S. Ser. No. 14/958,638 filed Dec. 3, 2015 and entitled “MAGNETIC CARDSWIPE EMULATION SYSTEMS AND METHODS,” which issued as U.S. Pat. No.9,613,306 on Apr. 4, 2017. The '638 Non-Provisional Patent Applicationclaims priority to U.S. Provisional Patent Application Ser. No.62/212,477, filed Aug. 31, 2015 and entitled “MAGNETIC CARD SWIPEEMULATION SYSTEMS AND METHODS.” All of which are incorporated herein intheir entirety for all purposes.

FIELD

The present disclosure relates to purchasing with a digital wallet on amobile device using magnetic stripe emulation and communicatingwirelessly with a magnetic stripe point of sale.

BACKGROUND

Typical magnetic stripe transactions are executed by running a card witha magnetic stripe through a card reader at a point of sale terminal. Thecard reader may extract data from the magnetic stripe and use the datato complete a transaction. In response to the card being swiped, a salesclerk can examine the card for a signature and request identificationfrom the purchaser to identify the purchaser as the card owner. In thatregard, the clerk may provide additional security in response to astandard credit card or debit card being used at a magnetic-stripe pointof sale. Such checks may not be available to sales clerks in response toa magnetic swipe being emulated by a mobile device, as the physicalplastic card may not be present.

Digital wallets streamline the payment protocol for transactions (e.g.,purchases) for new purchase media, such as online via in-applicationpayments and in store via near field communication (NFC). As more usersacquire digital devices, the availability of digital wallet applicationsincreases. However, the number of store locations with NFC capabilitiesto take advantage of digital wallet technology is lagging behind digitalwallet availability. As such, many stores still rely on traditionalpoint of sale interfaces including magnetic strip interfaces.

SUMMARY

A system, method, and computer readable medium (collectively, the“system”) is disclosed for completing digital wallet transactions via amagnetic stripe terminal using locally stored session keys. The systemmay include a processor configured to perform operations and/or stepscomprising storing, by a processor, a session key on a mobile device,wherein the session key is appropriately protected. e.g., encipheredand/or encrypted using encryption keys or by other means. The systemreceives a transaction request, decrypts the session key, and broadcastsa signal configured for being received by a magnetic stripe reader.Track 1 data and/or track 2 data may be encoded in the signal. The track1 data and/or the track 2 data may also comprise a dynamically generatedvalue that is generated based on the session key.

In various embodiments, the system may include requesting, by theprocessor, that a network trusted app encrypts the session key. Thenetwork trusted app may include a trusted execution environment chip.The processor may receive the session key from an enterprise wallet hubbefore storing the session key on the mobile device. The processor mayfurther clear the session key, in response to broadcasting the signalconfigured for being received by the magnetic stripe reader. The signalmay be encoded in a magnetic field. The processor may select magneticstripe emulation as a communication medium, in response to not detectinga near field communication terminal.

The forgoing features and elements may be combined in variouscombinations without exclusivity, unless expressly indicated hereinotherwise. These features and elements as well as the operation of thedisclosed embodiments will become more apparent in light of thefollowing description and accompanying drawings.

BRIEF DESCRIPTION

The subject matter of the present disclosure is particularly pointed outand distinctly claimed in the concluding portion of the specification. Amore complete understanding of the present disclosure, however, may beobtained by referring to the detailed description and claims whenconsidered in connection with the drawing figures, wherein like numeralsdenote like elements.

FIG. 1 illustrates an exemplary system for carrying out digital wallettransactions on a mobile device using a magnetic stripe terminal, inaccordance with various embodiments;

FIG. 2 illustrates exemplary software and hardware components foremulating a magnetic stripe card using a mobile device at a point ofsale terminal, in accordance with various embodiments;

FIG. 3 illustrates a process for carrying out digital wallettransactions on a user device with a locally stored session key, inaccordance with various embodiments; and

FIG. 4 illustrates exemplary software and hardware components forprovisioning session keys and authorizing transaction accounts for usewith a digital wallet, in accordance with various embodiments.

DETAILED DESCRIPTION

The detailed description of various embodiments herein makes referenceto the accompanying drawings and pictures, which show variousembodiments by way of illustration. While these various embodiments aredescribed in sufficient detail to enable those skilled in the art topractice the disclosure, it should be understood that other embodimentsmay be realized and that logical and mechanical changes may be madewithout departing from the spirit and scope of the disclosure. Thus, thedetailed description herein is presented for purposes of illustrationonly and not of limitation. For example, the steps recited in any of themethod or process descriptions may be executed in any order and are notlimited to the order presented. Moreover, any of the functions or stepsmay be outsourced to or performed by one or more third parties.Furthermore, any reference to singular includes plural embodiments, andany reference to more than one component may include a singularembodiment.

As used herein, a “digital wallet” includes a software and/or electronicdevice that facilitates individual e-commerce and m-commercetransactions. The digital wallet may operate by aggregating thetransaction account holder's payment and/or billing information, servingas the merchant of record, and/or passing through the transactionaccount holder's payment and/or billing information to the end merchant.Examples of some of the more popular digital wallets currently availablemay include Apple Pay®, Passbook®, and Google Wallet™.

The present disclosure provides a system, method, and computer programproduct for using a digital wallet on a user device for transactions(e.g., purchases). The digital wallet transaction may be executed usinga magnetic stripe interface. The user device may use a session key suchas a limited use purchase credential (LUPC). The LUPC may be distributedby the issuer and may authorize point of sale purchases. The LUPC may bestored on the user device in a secure manner using, for example,encryption, which can include obfuscation to further protect sensitivedata. The security protecting the LUPC tends to protect the LUPC longenough that the LUPC expires before an attacker can break the security.Thus, a user device may contact an issuer server or cloud network toretrieve one or more LUPCs in response to the user device being online.The user device may use one of the previously-retrieved andsecurely-stored LUPCs to authorize a point-of-sale purchase by emulatinga magnetic card swipe at a point of sale terminal or by an NFC terminal,depending on the hardware available at the point of sale. Applicationsof the present disclosure may thus enhance usability of digital walletsin a secure manner and enhance the user experience and expediteprocessing.

With reference to FIG. 1, system 100 for transactions (e.g, purchases)using a digital wallet is shown, in accordance with various embodimentsSystem 100 may comprise a mobile device 102. Mobile device 102 maycomprise any device capable of receiving and displaying an electronicmessage via a network 108. For example, mobile device 102 may take theform of a computer or processor, or a set of computers/processors,although other types of computing units or systems may be used,including laptops, notebooks, hand held computers, personal digitalassistants, cellular phones, smart phones (e.g., iPhone®, BlackBerry®,Android®, etc.) tablets, wearables (e.g., smart watches and smartglasses), or any other device capable of receiving data over network108. Mobile device 102 may communicate with point of sale 106 usingelectromagnetic radiation to emulate a card swipe across communicationchannel 110. Mobile device 102 may also communicate with other systemnodes over network 108.

A network or communication channel may be unsecure and vulnerable tolistening attacks. Thus, communication over network 108 or communicationchannel 110 may utilize data encryption. Encryption may be performed byway of any of the techniques now available in the art or which maybecome available—e.g., Twofish, RSA, El Gamal, Schorr signature, DSA,PGP, TDEA, AES, ECC, PKI, GPG (CnuPG), and symmetric and asymmetriccryptosystems.

In various embodiments, mobile device 102 may be in communication withpoint of sale 106 using a short-range, wireless communication medium.For example, mobile device 102 may communicate with point of sale 106having a magnetic card reader by encoding data in a magnetic fieldconfigured to be received by the magnetic card reader. System 100 mayalso support provisioning of session keys and activating transactionaccounts on mobile device 102, as disclosed in greater below. Inresponse to provisioning requests and activation requests, transactionaccount network 112 and account issuer services 114 communicate withauthorization servers 104 and mobile device 102 over network 108.

With reference to FIG. 2, an exemplary system for conductingtransactions at point-of-sale terminal 210 using session keys on amobile device 102 is shown, in accordance with various embodiments.Mobile device 102 may be a mobile device running magnetic stripeemulation (MSE) software. MSE software may enhance security fortransactions completed in response to point-of-sale terminal 210 being amagnetic stripe terminal that lacks NFC compatibility with mobile device102. For example, mobile device 102 may be a smartphone running anAndroid® operating system, which contains and/or runs a network softwaredevelopment kit (SDK) 204 and a network trusted app 206 configured tointerface with an account provider network. Network SDK 204 may beprovided by the issuer network. SDK 204 is a set of tools written andprovided by the issuer network to allow other applications to interfacewith the issuer network. Mobile device 102 may communicate withpoint-of-sale terminal 210 to complete a transaction at point of sale106.

Mobile device 102 may comprise multiple software and/or hardwarecomponents for emulating a magnetic stripe card in response to nearfield communication (NFC) not being unavailable. Mobile device 102 maybroadcast magnetic stripe information relating to transaction accountsenabled on the digital wallet of mobile device 102. For example, mobiledevice 102 may be equipped with wireless payment software and/orhardware made available under the trademark LOOPPAY by LoopPay, Inc.

In various embodiments, the magnetic stripe transaction cards may carrytrack data as identified by the International Organization forStandardization (ISO) and the International Electrotechnical Commission(IEC) as ISO/IEC 7813. Thus, point-of-sale terminal 210 using magneticstripe authentication may be configured to read track 1 data with amaximum record length of 79 alphanumeric characters and track 2 datawith a maximum record length of 40 numeric digits. In that regard,mobile device 102 may transmit a wireless signal to point-of-saleterminal 210. The signal may comprise, among other account details, atransaction account number, a service code, an expiration date, andother information typically encoded in track 1 and/or track 2 asspecified in ISO/IEC 7813. Additional information not originallyincluded in the ISO/IEC 7813 specification may be transmitted in thetrack 1 and track 2 fields. Magnetic stripe authentication devices maybe updated to allow for varying track 1 and track 2 lengths, or toincorporate the seldom-used track 3 for mobile device purchases.

In various embodiments, the track 1 and track 2 information exchanged inresponse to a magnetic card being swiped is limited, compared to theinformation exchanged during a typical NFC transaction. For example, inan NFC transaction, a digital signature may be transmitted from thedevice to indicate that the device is an authorized one, but a typicalmagnetic card transaction does not include a digital signature. Thus,additional security may be applied in response to wireless purchasesbeing made using magnetic stripe emulation.

In various embodiments, wallet provider app 201 may be running on mobiledevice 102. Wallet provider app 201 may be a digital wallet application.In that regard, wallet provider app 201 may aggregate the transactionaccount holder's payment and/or billing information, serve as themerchant of record, and/or pass through the transaction account holder'spayment and/or billing information to the end merchant.

The wallet provider application may interact with a wallet providerframework layer. Wallet provider framework layer 202 may providefunctionality described in an API interface configured to communicatewith a point-of-sale terminal 210 external to mobile device 102, as wellas a network SDK 204 and a network trusted app 206 (both of which may berunning on and/or integral to mobile device 102). The network SDK 204may be provided by a transaction account network to serve as aninterface between the network trusted app 206 and wallet providerframework layer 202. In that regard, the network SDK 204 may enablevarious wallet provider framework layers 202 to run on mobile device 102despite being written and/or provided by various wallet providers.

In various embodiments, network trusted app 206 may be partially orwholly integrated into a security chip or otherwise integrated intodedicated hardware located on mobile device 102. For example, networktrusted app may comprise a trusted execution environment (TEE) chip. TheTEE chip may secure sensitive information such as encryption keys andsession keys to enhance security of mobile device 102. Network SDK 204may provide interface tools to interact with network trusted app 206 andrequest decryption and/or encryption services.

In various embodiments, mobile device 102 may communicate withpoint-of-sale terminal 210 located at point of sale 106. Thecommunication may be initiated or maintained by the network trusted app206 and/or wallet provider framework layer 202. Mobile device 102 mayinclude an integral electromagnetic communication chip or be coupled tosuch a communication chip that is configured to encode data in themagnetic field proximate the point of sale terminal. Encoded data maycomprise track 1 data, track 2 data, or any other data for transmissionbetween the mobile device 102 and point-of-sale terminal 210.

In various embodiments, point-of-sale terminal 210 may communicateelectronically with authorization servers 104. Authorization servers 104may comprise servers integral to global authorization network 220 andcredit authorization system 222. Authorization servers 104 may approveor decline transaction requests from point of sale 106.

With reference to FIGS. 2 and 3, a process 300 for emulating a magneticstripe card using a mobile device 102 of system 200 is illustrated, inaccordance with various embodiments. Process 300 may begin with mobiledevice 102 initiating a transaction in response to a user input (Block302). The user input may be a user unlocking mobile device 102 orproviding a security code, biometric input or gesture to request atransaction. The input may tend to validate the user and increase thesecurity of the transaction. The user may also open a digital wallet orpayment application to request a transaction. From the digital wallet, auser may then select a transaction account in the digital wallet withwhich to initiate the transaction. The transaction account may beselected by a prompt on mobile device 102, for example.

Mobile device 102 may begin the transaction process by checking if avalid session key (i.e., a one-time session key such as LUPCs)associated with the selected transaction account is available for thepayment transaction. The session keys may be time-limited and/orlimited-use. For example, session keys may be set to expire after apredetermined time duration such as in 1/10 the time projected to breakthe security used on mobile device 102. Mobile device 102 may destroysession keys after using used or reaching the age limit. Mobile device102 may request additional session keys in response to a number ofsession keys available falling below a minimum threshold, or the sessionkeys present on mobile device 102 being near expiration. Mobile device102 may check for session keys on regular intervals or in response todevice state changes, such as in response to a device first connectingto a network. In response to session keys being received, the sessionkeys may be encrypted and stored.

In various embodiments, mobile device 102 may then decrypt the sessionkey (e.g., an LUPC as described above) and/or account data (Block 304).The decryption may be carried out using the network trusted app 206,which may include a secure hardware element such as a TEE. The TEE mayinclude asymmetric and symmetric keys for use in various encryptionalgorithms. In that regard, network trusted app 206 may serve as thecustodian for the encryption keys used to protect account informationand session keys on mobile device 102. The session key and account datamay be returned by network trusted app 206 and used by mobile device 102to authorize a subsequent transaction. If no session key is available onmobile device 102, and no Internet connection is available to retrieveadditional session keys, then the transaction may be terminated.

Mobile device 102 may then select magnetic stripe emulation as acommunication medium for the transaction (Block 306). Mobile device 102may select magnetic stripe emulation as a communication medium inresponse to not detecting an NFC terminal within communication range.Magnetic stripe emulation may comprise encoding card data into amagnetic field that can then be received by the magnetic head of acredit card reader. The magnetic field generated by mobile device 102may emulate the same change in the magnetic field that occurs at themagnetic head of the card reader in response to a traditional creditcard being swiped through the card reader. The range of the transmissionand broadcasting steps from the mobile device may be limited in rangeand duration. For example, the range may be limited to less than 6inches and the duration of the transmission may be less than 150milliseconds. The limited duration and range may tend to increase thesecurity of the transaction by limiting the availability oftransmissions containing sensitive data.

In various embodiments, mobile device 102 may broadcast track 1 and/ortrack 2 data with a dynamically generated value (Block 308). The networktrusted app 206 may provide the data for transmission in plain text orin an encrypted form. Track 1 and track 2 data may meet the standards ofthe ISO/IEC 7813 specification, as disclosed above. In place of actualtransaction account data, alias data may be used. For example, an aliasaccount number may be transmitted along with track 1 data in place ofthe actual account number. The alias account number may be mapped to theactual account number by the card issuer network so that mobile device102 may not transmit the actual account number. Limiting thetransmission of sensitive data and replacing sensitive data with analias may tend to increase security of mobile device 102 and reducepoints of attack.

In various embodiments, the track 1 and/or track 2 data may include adynamically generated value in one or more of the track 1 and/or track 2fields. For example, a card security code (CSC) field may be used totransmit the dynamically generated value. A CSC may also be referred toas a CID, VC2, CVE, or CVV2 by various card issuers. The card securitycode field may be used to transmit a dynamically generated valuegenerated from the session key rather than an actual CSC from aphysical, plastic card or other account identification. The dynamicallygenerated value may be a numeric, alphanumeric, or character based valuebased on a session key and may be generated remotely and downloaded tomobile device 102 along with the session keys. Although a CSC field isidentified in an example, other discretionary data fields or defineddata fields meeting the ISO/IEC 7813 specification may be used totransmit the dynamically generated value.

In various embodiments, the session keys stored on mobile device may begenerated by the network, as disclosed below, so that the session keyshave an expected order of use. The authorization system may use the samealgorithm as mobile device 102 to separately generate the numeric value.The authorization system may thus determine the expected numeric valuereceived in the magnetic transmission from the next expected sessionkey, which may be retrieved from a database with a database keycorresponding to the transaction account number. For example, thenumeric value in the CSC field may be generated by hashing the sessionkey or a portion of the session key with a known number, or bytruncating the session key to the desired number of digits. If thedynamically-generated numeric value does not match the expected value, asecurity attack may be indicated. During authorization, if the numericvalue originally transmitted in the magnetic signal with the track1/track 2 data does not match the expected value then the transactionmay be declined.

In various embodiments, point-of-sale terminal 210 may send atransaction payload to the global authorization network (Block 310). Thetransaction payload may be a datagram containing transaction accountinformation, transaction details (e.g., amount and date), and thenumeric value from the CSC field in the track 1 and/or track 2 data. Thetransaction payload may be encrypted using the payment network's publickey, for example, to secure the transmission from point-of-sale terminal210 to global authorization network 220. The global authorizationnetwork 220 may forward the request to credit authorization system 222for decisioning. In response to the transaction being completed, mobiledevice 102 may clear the session key used for the transaction (Block312). The session key may be deleted in response to broadcasting amagnetic signal a predetermined number of times. For example, afterbroadcasting a magnetic signal five times, mobile device 102 mayautomatically delete a session key used in generating the numeric valuefor the CSC field. By clearing the used session key from mobile device102, system 200 may ensure the used session key is not reused for afuture transaction.

With reference to FIGS. 1 and 4, an exemplary system for provisioningactive purchase accounts and session keys on mobile device 102 is shown,in accordance with various embodiments. Mobile device 102 may beconfigured as disclosed above with reference to FIG. 2 with walletprovider app 201 running on wallet provider framework layer 202, whichfurther interacts with network SDK 204 and network trusted app 206, asdescribed above.

In various embodiments, mobile device 102 may be in communication withwallet provider 402. Wallet provider servers 449 may further be incommunication with transaction account network 112 via network 108. Inthat regard, mobile device 102 may not be in direct communication withtransaction account network 112 during the provisioning process. Rather,mobile device 102 may send data to wallet provider servers 404, whichmay be forwarded by wallet provider servers 404 to enterprise wallet hub422. Mobile device 102 may send a request to wallet provider servers 404to add a transaction account to wallet provider app 201 for use inmaking payments on mobile device 102. The request may includetransaction account information including an account number, CSC,expiration information from a physical card, risk information, and/or awallet ID, for example. Wallet provider servers 404 may then forward therequest to transaction account network 112. In response to the requestbeing approved by transaction account network 112, a token (i.e., analias identifying the transaction account) may be returned to walletprovider servers 404 and/or mobile device 102.

In various embodiments, transaction account provider may include atokenization gateway 412 for accepting and verifying incoming requestsand distributing tokens and/or session keys. Tokenization gateway 412may comprise one or more systems for communicating with wallet providerservers 404. For example, tokenization gateway 412 may comprise separateinbound and outbound gateways for incoming and outgoing tokens andsession keys. Enterprise wallet hub 422 may make decisions on incomingrequests and outgoing responses. For example, in response to a requestto validate a new transaction account for a mobile device, enterprisewallet hub 422 may decide whether or not the transaction account isauthorized for digital wallet use. Some transaction accounts may beauthorized for NFC transaction use but not magnetic stripe emulationuse, depending on the desired level of security for the transactionaccount. In deciding whether an account may be validated for mobiledevice 102, enterprise wallet hub 422 may contact a wallet registrationservice 432.

In various embodiments, wallet registration service 432 may communicatewith one or more authorization servers 104 maintained by the creditauthorization system (CAS). Authorization servers 104 may provide anumber of services associated with transaction accounts and transactionapproval. For example, authorization servers 104 may provide a productprofile service to communicate to enterprise wallet hub 422 as towhether or not a particular type of transaction account is authorizedfor digital wallet transactions. Authorization servers 104 may alsoprovide a risk-assessment service to identify and validate customersbased on the risk of fraud. The risk-assessment service may allow,decline, or request more information depending on the strength of theidentification and validation information provided by the enterprisewallet hub 422. For example, a risk-assessment service may requireadditional one-time password validation of the consumer with theone-time password delivered by wallet verification service 434 through aknown communication channel such as text, phone, or email.

In various embodiments, authorization servers 104 may also provide apayment credential service. The payment credential service running onauthorization servers 104 may generate a predetermined number of sessionkeys for delivery to mobile device 102. For example, the system maygenerate five session keys for completing transactions using theauthorized transaction account on mobile device 102. The enterprisewallet hub 422 may receive session keys from the wallet verificationservice 434 and deliver the session keys to mobile device 102 along withaccount details for use in wallet provider app 201 on mobile device 102in an encrypted package. The package may be encrypted such that it mayonly be decrypted using a private key that is present on the device. Ina similar manner, enterprise wallet hub 422 may provide additionalsession keys for established accounts securely to mobile device 102 inresponse to a session key request.

The systems and methods herein enable secure storage and transmission ofone-time keys for digital wallet transactions over emulated magneticstripe. Additionally, the approach to protecting the stored keysprovides robust protection for the life of the keys, which may besignificantly shorter than the estimated time required to crack thekeys. In that regard, magnetic stripe emulation may provide improvedsecurity for magnetic stripe transactions for transactions in which amobile device emulates a magnetic card, but no physical card ispresented.

As used herein, “match” or “associated with” or similar phrases mayinclude an identical match, a partial match, meeting certain criteria,matching a subset of data, a correlation, satisfying certain criteria, acorrespondence, an association, an algorithmic relationship and/or thelike. Similarly, as used herein, “authenticate” or similar terms mas,include an exact authentication, a partial authentication,authenticating a subset of data, a correspondence, satisfying certaincriteria, an association, an algorithmic relationship and/or the like.

The phrases consumer, customer, user, account holder, account affiliate,account member or the like shall include any person, entity, business,government organization, business, software, hardware, machineassociated with a transaction account, buys merchant offerings offeredby one or more merchants using the account and/or who is legallydesignated for performing transactions on the account, regardless ofwhether a physical account is associated with the account. For example,the account member may include a transaction account owner, atransaction account user, an account affiliate, a child account user, asubsidiary account user, a beneficiary of an account, a custodian of anaccount, and/or any other person or entity affiliated or associated witha transaction account.

Any communication, transmission and/or channel discussed herein mayinclude any system or method for delivering content (e.g. data,information, metadata, etc.), and/or the content itself. The content maybe presented in any form or medium, and in various embodiments, thecontent may be delivered electronically and/or capable of beingpresented electronically. For example, a channel may comprise a websiteor device (e.g., Facebook, YOUTUBE®, APPLE®TV®, PANDORA®, XBOX®, SONY®,PLAYSTATION®), a uniform resource locator (“URL”), a document (e.g, aMICROSOFT® Word® document, a MICROSOFT® Excel® document, an ADOBE® .pdfdocument, etc.), an “ebook,” an “emagazine,” an application ormicroapplication (as described herein), an SMS or other type of textmessage, an email, facebook, twitter, MMS and/or other type ofcommunication technology. In various embodiments, a channel may behosted or provided by a data partner. In various embodiments, thedistribution channel may comprise at least one of a merchant website, asocial media website, affiliate or partner websites, an external vendor,a mobile device communication, social media network and/or locationbased service. Distribution channels may include at least one of amerchant website, a social media site, affiliate or partner websites, anexternal vendor, and a mobile device communication. Examples of socialmedia sites include FACEBOOK®. FOURSQUARE®, Twitter®, MYSPACE®,LINKEDIN®, and the like. Examples of affiliate or partner websitesinclude AMERICAN EXPRESS®, GROUPON®, LIVINGSOCIAL®, and the like.Moreover, examples of mobile device communications include texting,email, and mobile applications for smartphones.

In various embodiments, the methods described herein are implementedusing the various particular machines described herein. The methodsdescribed herein may be implemented using the below particular machines,and those hereinafter developed, in any suitable combination, as wouldbe appreciated immediately by one skilled in the art. Further, as isunambiguous from this disclosure, the methods described herein mayresult in various transformations of certain articles.

For the sake of brevity, conventional data networking, applicationdevelopment and other functional aspects of the systems (and componentsof the individual operating components of the systems) may not bedescribed in detail herein. Furthermore, the connecting lines shown inthe various figures contained herein are intended to represent exemplaryfunctional relationships and/or physical couplings between the variouselements. It should be noted that many alternative or additionalfunctional relationships or physical connections may be present in apractical system.

The various system components discussed herein may include one or moreof the following: a host server or other computing systems including aprocessor for processing digital data, a memory coupled to the processorfor storing digital data; an input digitizer coupled to the processorfor inputting digital data; an application program stored in the memoryand accessible by the processor for directing processing of digital databy the processor; a display device coupled to the processor and memoryfor displaying information derived from digital data processed by theprocessor; and a plurality of databases. Various databases used hereinmay include: client data, merchant data; financial institution data;and/or like data useful in the operation of the system. As those skilledin the art will appreciate, user computer may include an operatingsystem (e.g., WINDOWS® NT®, WINDOWS® 95/98/2000®, WINDOWS® XP®, WINDOWS®Vista®, WINDOWS® 7®, OS2, UNIX®, LINUX®, SOLARIS®, MacOS, etc.) as wellas various conventional support software and drivers typicallyassociated with computers.

The present system or any part(s) or function(s) thereof may beimplemented using hardware, software or a combination thereof and may beimplemented in one or more computer systems or other processing systems.However, the manipulations performed by embodiments were often referredto in terms, such as matching or selecting, which are commonlyassociated with mental operations performed by a human operator. No suchcapability of a human operator is necessary, or desirable in most cases,in any of the operations described herein. Rather, the operations may bemachine operations. Useful machines for performing the variousembodiments include general purpose digital computers or similardevices.

In fact, in various embodiments, the embodiments are directed toward oneor more computer systems capable of carrying out the functionalitydescribed herein. The computer system includes one or more processors,such as processor. The processor is connected to a communicationinfrastructure (e.g., a communications bus, cross over bar, or network).Various software embodiments are described in terms of this exemplarycomputer system. After reading this description, it will become apparentto a person skilled in the relevant art(s) how to implement variousembodiments using other computer systems and/or architectures. Computersystem can include a display interface that forwards graphics, text, andother data from the communication infrastructure (or from a frame buffernot shown) for display on a display unit.

Computer system also includes a main memory, such as for example randomaccess memory (RAM), and may also include a secondary memory. Thesecondary memory may include, for example, a hard disk drive and/or aremovable storage drive, representing a floppy disk drive, a magnetictape drive, an optical disk drive, etc. The removable storage drivereads from and/or writes to a removable storage unit in a well-knownmanner. Removable storage unit represents a floppy disk, magnetic tape,optical disk, etc. which is read by and written to by removable storagedrive. As will be appreciated, the removable storage unit includes acomputer usable storage medium having stored therein computer softwareand/or data.

In various embodiments, secondary memory may include other similardevices for allowing computer programs or other instructions to beloaded into computer system. Such devices may include, for example, aremovable storage unit and an interface. Examples of such may include aprogram cartridge and cartridge interface (such as that found in videogame devices), a removable memory chip (such as an erasable programmableread only memory (EPROM), or programmable read only memory (PROM)) andassociated socket, and other removable storage units and interfaces,which allow software and data to be transferred from the removablestorage unit to computer system.

Computer system may also include a communications interface.Communications interface allows software and data to be transferredbetween computer system and external devices. Examples of communicationsinterface may include a modem, a network interface (such as an Ethernetaccount), a communications port, a Personal Computer Memory AccountInternational Association (PCMCIA) slot and account, etc. Software anddata transferred via communications interface are in the form of signalswhich may be electronic, electromagnetic, optical or other signalscapable of being received by communications interface. These signals areprovided to communications interface via a communications path (e.g,channel). This channel carries signals and may be implemented usingwire, cable, fiber optics, a telephone line, a cellular link, a radiofrequency (RF) link, wireless and other communications channels.

The terms “computer program medium” and “computer usable medium” and“computer readable medium” are used to generally refer to media such asremovable storage drive and a hard disk installed in hard disk drive.These computer program products provide software to computer system.

Computer programs (also referred to as computer control logic) arestored in main memory and/or secondary memory. Computer programs mayalso be received via communications interface. Such computer programs,when executed, enable the computer system to perform the features asdiscussed herein. In particular, the computer programs, when executed,enable the processor to perform the features of various embodiments.Accordingly, such computer programs represent controllers of thecomputer system.

In various embodiments, software may be stored in a computer programproduct and loaded into computer system using removable storage drive,hard disk drive or communications interface. The control logic(software), when executed by the processor, causes the processor toperform the functions of various embodiments as described herein. Invarious embodiments, hardware components such as application specificintegrated circuits (ASICs). Implementation of the hardware statemachine so as to perform the functions described herein will be apparentto persons skilled in the relevant art(s).

In various embodiments, the server may include application servers (e.g.WEB SPHERE, WEB LOGIC, and JBOSS). In various embodiments, the servermay include web servers (e.g. APACHE, IIS, GWS, SUN JAVA® SYSTEM WEBSERVER).

The various system components may be independently, separately orcollectively suitably coupled to the network via data links whichincludes, for example, a connection to an Internet Service Provider(ISP) over the local loop as is typically used in connection withstandard modem communication, cable modem, Dish Networks®, ISDN, DigitalSubscriber Line (DSL), or various wireless communication methods, see,e.g., GILBERT HELD, UNDERSTANDING DATA COMMUNICATIONS (1996), which ishereby incorporated by reference. It is noted that the network may beimplemented as other types of networks, such as an interactivetelevision (ITV) network. Moreover, the system contemplates the use,sale or distribution of any goods, services or information over anynetwork having similar functionality described herein.

As used herein. “transmit” may include sending electronic data from onesystem component to another over a network connection. Additionally, asused herein, “data” may include encompassing information such ascommands, queries, files, data for storage, and the like in digital orany other form.

The system contemplates uses in association with web services, utilitycomputing, pervasive and individualized computing, security and identitysolutions, autonomic computing, cloud computing, commodity computing,mobility and wireless solutions, open source, biometrics, grid computingand/or mesh computing.

Any databases discussed herein may include relational hierarchical,graphical, or object-oriented structure and/or any other databaseconfigurations. Common database products that may be used to implementthe databases include DB2 by IBM® (Armonk, N.Y.), various databaseproducts available from ORACLE® Corporation (Redwood Shores, Calif.).MICROSOFT® Access® or MICROSOFT® SQL Server® by MICROSOFT® Corporation(Redmond, Wash.), MySQL by MySQL AB (Uppsala, Sweden), or any othersuitable database product. Moreover, the databases may be organized inany suitable manner, for example, as data tables or lookup tables. Eachrecord ma be a single file, a series of files, a linked series of datafields or any other data structure. Association of certain data may beaccomplished through any desired data association technique such asthose known or practiced in the art. For example, the association may beaccomplished either manually or automatically. Automatic associationtechniques may include, for example, a database search, a databasemerge, GREP, AGREP, SQL, using a key field in the tables to speedsearches, sequential searches through all the tables and files, sortingrecords in the file according to a known order to simplify lookup,and/or the like. The association step may be accomplished by a databasemerge function, for example, using a “key field” in pre-selecteddatabases or data sectors. Various database tuning steps arecontemplated to optimize database performance. For example, frequentlyused files such as indexes may be placed on separate file systems toreduce In/Out (“I/O”) bottlenecks.

One skilled in the an will also appreciate that, for security reasons,any databases, systems, devices, servers or other components of thesystem may consist of any combination thereof at a single location or atmultiple locations, wherein each database or system includes any ofvarious suitable security features, such as firewalls, access codes,encryption, decryption, compression, decompression, and/or the like.

The computers discussed herein may provide a suitable website or otherInternet-based graphical user interface which is accessible by users. Inone embodiment, the MICROSOFT® INTERNET INFORMATION SERVICES® (IIS),MICROSOFT® Transaction Server (MTS), and MICROSOFT® SQL Server, are usedin conjunction with the MICROSOFT® operating system, MICROSOFT® NT webserver software, a MICROSOFT® SQL Server database system, and aMICROSOFT® Commerce Server. Additionally, components such as Access orMICROSOFT® SQL Server, ORACLE®, Sybase, Informix MySQL, Interbase, etc.,may be used to provide an Active Data Object (ADO) compliant databasemanagement system. In one embodiment, the Apache web server is used inconjunction with a Linux operating system, a MySQL database, and thePerl, PHP, and/or Python programming languages.

Any of the communications, inputs, storage, databases or displaysdiscussed herein may be facilitated through a website having web pages.The term “web page” as it is used herein is not meant to limit the typeof documents and applications that might be used to interact with theuser. For example, a typical website might include, in addition tostandard HTML documents, various forms, JAVA® APPLE®ts, JAVASCRIPT,active server pages (ASP), common gateway interface scripts (CGI),extensible markup language (XML), dynamic HTML, cascading style sheets(CSS), AJAX (Asynchronous JAVASCRIPT And XML), helper applications,plug-ins, and the like. A server may include a web service that receivesa request from a web server, the request including a URL and an IPaddress (123.56789.234). The web server retrieves the appropriate webpages and sends the data or applications for the web pages to the IPaddress. Web services are applications that are capable of interactingwith other applications over a communications means, such as theinternet. Web services are typically based on standards or protocolssuch as XML, SOAP, AJAX, WSDL and UDDI. Web services methods are wellknown in the art, and are covered in many standard texts. See, e.g.,ALEX NGHIEM, IT WEB SERVICES: A ROADMAP FOR THE ENTERPRISE (2003),hereby incorporated by reference.

Middleware may include any hardware and/or software suitably configuredto facilitate communications and/or process transactions betweendisparate computing systems. Middleware components are commerciallyavailable and known in the art. Middleware may be implemented throughcommercially available hardware and/or software, through custom hardwareand/or software components, or through a combination thereof. Middlewaremay reside in a variety of configurations and may exist as a standalonesystem or may be a software component residing on the Internet server.Middleware may be configured to process transactions between the variouscomponents of an application server and any number of internal orexternal systems for any of the purposes disclosed herein. WEBSPHERE MQ™(formerly MQSeries) by IBM®, Inc. (Armonk. N.Y.) is an example of acommercially available middleware product. An Enterprise Service Bus(“ESB”) application is another example of middleware.

Practitioners will also appreciate that there are a number of methodsfor displaying data within a browser-based document. Data may berepresented as standard text or within a fixed list, scrollable list,drop-down list, editable text field, fixed text field, pop-up window,and the like. Likewise, there are a number of methods available formodifying data in a web page such as, for example, free text entry usinga keyboard, selection of menu items, check boxes, option boxes, and thelike.

The system and method may be described herein in terms of functionalblock components, screen shots, optional selections and variousprocessing steps. It should be appreciated that such functional blocksmay be realized by any number of hardware and/or software componentsconfigured to perform the specified functions. For example, the systemmay employ various integrated circuit components, e.g., memory elements,processing elements, logic elements, look-up tables, and the like, whichmay carry out a variety of functions under the control of one or moremicroprocessors or other control devices. Similarly, the softwareelements of the system may be implemented with any programming orscripting language such as C, C++, C#, JAVA®, JAVASCRIPT, VBScript,Macromedia Cold Fusion, COBOL, MICROSOFT® Active Server Pages, assembly.PERL, PHP, awk, Python, Visual Basic, SQL Stored Procedures, PL/SQL, anyUNIX shell script, and extensible markup language (XML) with the variousalgorithms being implemented with any combination of data structures,objects, processes, routines or other programming elements. Further, itshould be noted that the system may employ any number of conventionaltechniques for data transmission, signaling, data processing, networkcontrol, and the like. Still further, the system could be used to detector prevent security issues with a client-side scripting language, suchas JAVASCRIPT, VBScript or the like. For a basic introduction ofcryptography and network security, see any of the following references:(1) “Applied Cryptography: Protocols, Algorithms, And Source Code In C”by Bruce Schneier, published by John Wiley & Sons (second edition,1995): (2) “JAVA® Cryptography” by Jonathan Knudson, published byO'Reilly & Associates (1998: (3) “Cryptography & Network Security:Principles & Practice” by William Stallings, published by Prentice Hall;all of which are hereby incorporated by reference.

As used herein, the term “end user”, “consumer”, “customer”, “cardmember”, “business” or “merchant” may be used interchangeably with eachother, and each shall mean any person, entity, government organization,business, machine, hardware, and/or software. A bank may be part of thesystem, but the bank may represent other types of account issuinginstitutions, such as credit account companies, account sponsoringcompanies, or third party issuers under contract with financialinstitutions. It is further noted that other participants may beinvolved in some phases of the transaction, such as an intermediarysettlement institution, but these participants are not shown.

As will be appreciated by one of ordinary skill in the art, the systemmay be embodied as a customization of an existing system, an add-onproduct, a processing apparatus executing upgraded software, astandalone system, a distributed system, a method, a data processingsystem, a device for data processing, and/or a computer program product.Accordingly, any portion of the system or a module may take the form ofa processing apparatus executing code, an internet based embodiment, anentirely hardware embodiment, or an embodiment combining aspects of theinternet, software and hardware. Furthermore, the system may take theform of a computer program product on a computer-readable storage mediumhaving computer-readable program code means embodied in the storagemedium. Any suitable computer-readable storage medium may be utilized,including hard disks, CD-ROM, optical storage devices, magnetic storagedevices, and/or the like.

The system and method is described herein with reference to screenshots, block diagrams and flowchart illustrations of methods, apparatus(e.g., systems), and computer program products according to variousembodiments. It will be understood that each functional block of theblock diagrams and the flowchart illustrations, and combinations offunctional blocks in the block diagrams and flowchart illustrations,respectively, can be implemented by computer program instructions.

These computer program instructions may be loaded onto a general purposecomputer, special purpose computer, or other programmable dataprocessing apparatus to produce a machine, such that the instructionsthat execute on the computer or other programmable data processingapparatus create means for implementing the functions specified in theflowchart block or blocks. These computer program instructions may alsobe stored in a computer-readable memory that can direct a computer orother programmable data processing apparatus to function in a particularmanner, such that the instructions stored in the computer-readablememory produce an article of manufacture including instruction meanswhich implement the function specified in the flowchart block or blocks.The computer program instructions may also be loaded onto a computer orother programmable data processing apparatus to cause a series ofoperational steps to be performed on the computer or other programmableapparatus to produce a computer-implemented process such that theinstructions which execute on the computer or other programmableapparatus provide steps for implementing the functions specified in theflowchart block or blocks.

Accordingly, functional blocks of the block diagrams and flowchartillustrations support combinations of means for performing the specifiedfunctions, combinations of steps for performing the specified functions,and program instruction means for performing the specified functions. Itwill also be understood that each functional block of the block diagramsand flowchart illustrations, and combinations of functional blocks inthe block diagrams and flowchart illustrations, can be implemented byeither special purpose hardware-based computer systems which perform thespecified functions or steps, or suitable combinations of specialpurpose hardware and computer instructions. Further, illustrations ofthe process flows and the descriptions thereof may make reference touser WINDOWS®, webpages, websites, web forms, prompts, etc.Practitioners will appreciate that the illustrated steps describedherein may comprise in any number of configurations including the use ofWINDOWS®, webpages, web forms, popup WINDOWS®, prompts and the like. Itshould be further appreciated that the multiple steps as illustrated anddescribed may be combined into single webpages and/or WINDOWS® but havebeen expanded for the sake of simplicity. In other cases, stepsillustrated and described as single process steps may be separated intomultiple webpages and/or WINDOWS® but have been combined for simplicity.

The term “non-transitory” is to be understood to remove only propagatingtransitory signals per se from the claim scope and does not relinquishrights to all standard computer-readable media that are not onlypropagating transitory signals per se. Stated another way, the meaningof the term “non-transitory computer-readable medium” and“non-transitory computer-readable storage medium” should be construed toexclude only those types of transitory computer-readable media whichwere found in In Re Nuijten to fall outside the scope of patentablesubject matter under 35 U.S.C. § 101.

Phrases and terms similar to “account”, “account number”, “account code”or “consumer account” as used herein, may include any device, code (e.g,one or more of an authorization/access code, personal identificationnumber (“PIN”), Internet code, other identification code, and/or thelike), number, letter, symbol, digital certificate, smart chip, digitalsignal, analog signal, biometric or other identifier/indicia suitablyconfigured to allow the consumer to access, interact with or communicatewith the system. The account number may optionally be located on orassociated with a rewards account, charge account, credit account, debitaccount, prepaid account, telephone account, embossed account, smartaccount, magnetic stripe account, bar code account, transponder, radiofrequency account or an associated account. Phrases and terms similar to“transaction account” may include any account that may be used tofacilitate a financial transaction.

The system may include or interface with any of the foregoing accounts,devices, and/or a transponder and reader (e.g. RFID reader) in RFcommunication with the transponder (which may include a fob), orcommunications between an initiator and a target enabled by near fieldcommunications (NFC). Typical devices may include, for example, a keyring, tag, account, cell phone, wristwatch or any such form capable ofbeing presented for interrogation. Moreover, the system, computing unitor device discussed herein may include a “pervasive computing device,”which may include a traditionally non-computerized device that isembedded with a computing unit. Examples may include watches, Internetenabled kitchen appliances, restaurant tables embedded with RF readers,wallets or purses with imbedded transponders, etc. Furthermore, a deviceor financial transaction instrument may have electronic andcommunications functionality enabled, for example, by: a network ofelectronic circuitry that is printed or otherwise incorporated onto orwithin the transaction instrument (and typically referred to as a “smartaccount”); a fob having a transponder and an RFID reader; and/or nearfield communication (NFC) technologies. For more information regardingNFC, refer to the following specifications all of which are incorporatedby reference herein: ISO/IEC 18092/ECMA-340, Near Field CommunicationInterface and Protocol-1 (NFCIP-1); ISO/IEC 21481/ECMA-352. Near FieldCommunication Interface and Protocol-2 (NFCIP-2); and EMV 4.2 availableat http://www.emvco.com/default.aspx.

The account number may be distributed and stored in any form of plasticelectronic, magnetic, radio frequency, wireless, audio and/or opticaldevice capable of transmitting or downloading data from itself to asecond device. A consumer account number may be, for example, asixteen-digit account number, although each credit provider has its ownnumbering system, such as the fifteen-digit numbering system used byAmerican Express. Each company's account numbers comply with thatcompany's standardized format such that the company using afifteen-digit format will generally use three-spaced sets of numbers, asrepresented by the number “0000 000000 00000”. The first five to sevendigits are reserved for processing purposes and identify the issuingbank, account type, etc. In this example, the last (fifteenth) digit isused as a sum check for the fifteen digit number. The intermediaryeight-to-eleven digits are used to uniquely identify the consumer. Amerchant account number may be, for example, any number or alpha-numericcharacters that identify a particular merchant for purposes of accountacceptance, account reconciliation, reporting, or the like.

In various embodiments, an account number may identify a consumer. Inaddition, in various embodiments, a consumer may be identified by avariety of identifiers, including, for example, an email address, atelephone number, a cookie id, a radio frequency identifier (RFID), abiometric, a motion, a measurement and/or the like.

Phrases and terms similar to “financial institution”, “transactionaccount network” or “transaction account issuer” may include any entitythat offers transaction account services. Although often referred to asa “financial institution,” the financial institution may represent anytype of bank, lender or other type of account issuing institution, suchas credit account companies, account sponsoring companies, or thirdparty issuers under contract with financial institutions. It is furthernoted that other participants may be involved in some phases of thetransaction, such as an intermediary settlement institution.

Phrases and terms similar to “internal data” may include any data acredit issuer possesses or acquires pertaining to a particular consumer.Internal data may be gathered before, during, or after a relationshipbetween the credit issuer and the transaction account holder (e.g., theconsumer or buyer). Such data may include consumer demographic data.Consumer demographic data includes any data pertaining to a consumer.Consumer demographic data may include consumer name, address, telephonenumber, email address, employer and social security number. Consumertransactional data is any data pertaining to the particular transactionsin which a consumer engages during any given time period. Consumertransactional data may include, for example, transaction amount,transaction time, transaction vendor/merchant, and transactionvendor/merchant location.

Consumer payment data includes any data pertaining to a consumer'shistory of paving debt obligations. Consumer payment data may includeconsumer payment dates, payment amounts, balance amount, and creditlimit. Internal data may further comprise records of consumer servicecalls, complaints, requests for credit line increases, questions, andcomments. A record of a consumer service call includes, for example,date of call, reason for call, and any transcript or summary of theactual call.

Systems, methods and computer program products are provided. In thedetailed description herein, references to “various embodiments”, “oneembodiment”, “an embodiment”, “an example embodiment”, etc., indicatethat the embodiment described may include a particular feature,structure, or characteristic, but every embodiment may not necessarilyinclude the particular feature, structure, or characteristic. Moreover,such phrases are not necessarily referring to the same embodiment.Further, when a particular feature, structure, or characteristic isdescribed in connection with an embodiment, it is submitted that it iswithin the knowledge of one skilled in the art to affect such feature,structure, or characteristic in connection with other embodimentswhether or not explicitly described. After reading the description, itwill be apparent to one skilled in the relevant art(s) how to implementthe disclosure in alternative embodiments.

Benefits, other advantages, and solutions to problems have beendescribed herein with regard to specific embodiments. However, thebenefits, advantages, solutions to problems, and any elements that maycause any benefit, advantage, or solution to occur or become morepronounced are not to be construed as critical, required, or essentialfeatures or elements of the disclosure. The scope of the disclosure isaccordingly to be limited by nothing other than the appended claims, inwhich reference to an element in the singular is not intended to mean“one and only one” unless explicitly so stated, but rather “one ormore.” Moreover, where a phrase similar to ‘at least one of A, B, and C’or ‘at least one of A, B, or C” is used in the claims or specification,it is intended that the phrase be interpreted to mean that A alone maybe present in an embodiment. B alone may be present in an embodiment. Calone may be present in an embodiment, or that any combination of theelements A, B and C may be present in a single embodiment for example. Aand B, A and C, B and C, or A and B and C. Although the disclosureincludes a method, it is contemplated that it may be embodied ascomputer program instructions on a tangible computer-readable carrier,such as a magnetic or optical memory or a magnetic or optical disk. Allstructural, chemical, and functional equivalents to the elements of theabove-described exemplary embodiments that are known to those ofordinary skill in the art are expressly incorporated herein by referenceand are intended to be encompassed by the present claims. Moreover, itis not necessary for a device or method to address each and everyproblem sought to be solved by the present disclosure, for it to beencompassed by the present claims.

Furthermore, no element, component, or method step in the presentdisclosure is intended to be dedicated to the public regardless ofwhether the element, component, or method step is explicitly recited inthe claims. No claim element herein is to be construed under theprovisions of 35 U.S.C. 112 (f) unless the element is expressly recitedusing the phrase “means for.” As used herein, the terms “comprises”.“comprising”, or any other variation thereof, are intended to cover anon-exclusive inclusion, such that a process, method, article, orapparatus that comprises a list of elements does not include only thoseelements but may include other elements not expressly listed or inherentto such process, method, article, or apparatus.

We claim:
 1. A method comprising: receiving, by a point of sale device,a wireless signal from a transaction device, wherein the wireless signalcarries emulated track data for payment of a transaction, wherein theemulated track data emulates data in tracks of a magnetic card andincludes transaction account data and a dynamically generated digitalsignature value derived from a next expected session key of a digitalwallet for the transaction device; reading, by the point of sale device,the emulated track data from the wireless signal; generating, by thepoint of sale device, a transaction payload, wherein the transactionpayload contains the transaction account data and the dynamicallygenerated digital signature value from the emulated track data of thewireless signal; transmitting, by the point of sale device, thetransaction payload to an authorization network server; receiving, bythe point of sale device, an authorization instruction from theauthorization network server for handling payment of the transaction;and processing, by the point of sale device, the payment of thetransaction in accordance with the authorization instruction.
 2. Themethod of claim 1, further comprising encrypting, by the point of saledevice, the transaction payload before transmitting the transactionpayload to the authorization network server.
 3. The method of claim 1,wherein the next expected session key is from a plurality of sessionkeys that has an expected order of use by the transaction device.
 4. Themethod of claim 1, wherein the emulated track data comprises emulatedtrack 1 data and emulated track 2 data, wherein at least one of theemulated track 1 data or the emulated track 2 data includes thedynamically generated digital signature value.
 5. The method of claim 1,wherein the emulated track data comprises emulated track 3 data, whereinthe emulated track 3 data includes the dynamically generated digitalsignature value.
 6. The method of claim 1, wherein the transactiondevice is a mobile device.
 7. The method of claim 6, wherein thetransaction account data includes data related to a transaction accountenabled on the digital wallet for the transaction device.
 8. The methodof claim 1, wherein the wireless signal is from a magnetic field emittedfrom the transaction device, wherein the point of sale device comprisesa magnetic stripe terminal that lacks near field communicationscompatibility with the transaction device.
 9. The method of claim 1,wherein the emulated track data is formatted at least in part onInternational Organization for Standardization (ISO) and InternationalElectrotechnical Commission (IEC) 7813 (ISO/IEC 7813).
 10. The method ofclaim 1, wherein the emulated track data comprises a transaction accountnumber, a service code, and an expiration date.
 11. A system comprising:a processor of a point of sale device; and a tangible, non-transitorymemory configured to communicate with the processor, the tangible,non-transitory memory having instructions stored thereon that, inresponse to execution by the processor, cause the processor to performoperations comprising: receiving a wireless signal from a transactiondevice, wherein the wireless signal carries emulated track data forpayment of a transaction, wherein the emulated track data emulates datain tracks of a magnetic card and includes transaction account data and adynamically generated digital signature value derived from a nextexpected session key of a digital wallet for the transaction device;reading the emulated track data from the wireless signal; generating atransaction payload, wherein the transaction payload contains thetransaction account data and the dynamically generated digital signaturevalue from the emulated track data of the wireless signal; transmittingthe transaction payload to an authorization network server; receiving anauthorization instruction from the authorization network server forhandling payment of the transaction; and processing the payment of thetransaction in accordance with the authorization instruction.
 12. Thesystem of claim 11, wherein the operations further comprise encryptingthe transaction payload using a public key of the authorization networkserver before transmitting the transaction payload to the authorizationnetwork server.
 13. The system of claim 11, wherein the next expectedsession key is from a plurality of session keys that has an expectedorder of use by the transaction device.
 14. The system of claim 11,wherein the emulated track data comprises emulated track 1 data andemulated track 2 data, wherein at least one of the emulated track 1 dataor the emulated track 2 data includes the dynamically generated digitalsignature value.
 15. The system of claim 11, wherein the emulated trackdata comprises emulated track 3 data, wherein the emulated track 3 dataincludes the dynamically generated digital signature value.
 16. Thesystem of claim 11, wherein the transaction device is a mobile device.17. The system of claim 16, wherein the transaction account dataincludes data related to a transaction account enabled on the digitalwallet for the transaction device.
 18. The system of claim 11, whereinthe wireless signal is from a magnetic field emitted from thetransaction device, wherein the point of sale device comprises amagnetic stripe terminal that lacks near field communicationscompatibility with the transaction device.
 19. The system of claim 11,wherein the emulated track data includes a service code field and theservice field code includes the dynamically generated digital signaturevalue.
 20. An article of manufacture including a non-transitory,tangible computer readable storage medium having instructions storedthereon that, in response to execution by a point of sale device, causethe point of sale device to perform operations comprising: receiving awireless signal from a transaction device, wherein the wireless signalcarries emulated track data for payment of a transaction, wherein theemulated track data emulates data in tracks of a magnetic card andincludes transaction account data and a dynamically generated digitalsignature value derived from a next expected session key of a digitalwallet for the transaction device; reading the emulated track data fromthe wireless signal; generating a transaction payload, wherein thetransaction payload contains the transaction account data and thedynamically generated digital signature value from the emulated trackdata of the wireless signal; transmitting the transaction payload to anauthorization network server; receiving an authorization instructionfrom the authorization network server for handling payment of thetransaction; and processing the payment of the transaction in accordancewith the authorization instruction.